Coronavirus Resources

A Message from the HIG Team

During this pandemic we understand we’re all facing new challenges every single day from all aspects of our businesses. During this time we at Hemb Insurance Group with the assistance of our partners at United Benefit Advisors and HR Professionals want to provide you with all the necessary resources need to navigate through these unprecedented times. We are continually updating this page as changes and updates occur. There are still many questions and What-Ifs, so if you are looking for information that isn’t easily identifiable, please reach out and contact us.

We will all get through this together. Stay positive and keep smiling.

Waived, as long as premium payments are received from 3/1/2020 – 6/30/2020. (LTD not included)

Kansas City Life

To Be Determined

Lincoln Financial

Waived, as long as premium payments are received through May 1, 2020

Metropolitan Life

Waived, as long as premium payments are received. Length varies by product:
– Life, AD&D, Dental, Vision, Accident= 12 months from event date
– Disability = 60 days from event date if occurred between March 1, 2020 through May 31, 2020

Mutual of Omaha

Waived, as long as premium payments are received, event occurred between March 1, 2020 through May 31, 2020. Length varies by product and event date:
– Life, STD, C.I. and Accident employees on furlough or layoff status beginning in:

March will be deemed Actively Working through May 31, 2020

April or May will be deemed Actively Working through the end of the calendar month following event month

– LTD coverage, coverage will continue through the end of the calendar month following the event month

Principal

Waived, as long as premium payments are received (Event must occur between March 1, 2020 – April 30, 2020 coverage will continue until May 31, 2020)

Reliance Standard Life

Waived, as long as premium payments are received for 60 days from date of change

Sun Life

Waived, as long as premium payments are received for the earlier of 90 days or the end of the period when a person is unable to work, is working reduced hours, or is not working from their usual work location as of March 13, 2020, until September 1, 2020

The Hartford

Waived, if furloughed or laid off on or after 3/1/2020 through 5/31/2020 & as long as premium payments are received

Unum

Waived, as long as premium payments are received for 60 days from date of change

Human Resources (FFCRA Legislation)

The below resources provide guidance to employers in regards to the Families First Coronavirus Act (who this applies to, required notices, FAQ’s, etc.) and a plethora of additional resources like sample work form home polices